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this road before with healthcare and stimulus where the democrats say there is a crisis. the date is looming and you must vote. you don't have an opportunity for the cbo to score a bill. you don't have the opportunity to read a bill, digest and debate a bill. there is a lot of procedure here that has yet to be done. we shouldn't vote on something that's a bad deal. this is a bad deal for the american people. the fact that the president is coming out not to announce a deal but to negotiate through the media is ridiculous. he should get in his car and go to capitol hill and meet with the members to craft a deal if he can. i think the president coming out to upon i if i kate and lecture and scold is not helpful to the process. rich these people are being brought out to stand behind the president when he makes his remarks. we have been given the 2-minute warning. we have seen the president do this before, bring in ordinary americans that would be impacted adversely were a deal not to be reached. we are expecting the president. his leadership on this issue, how would you grade it, dick? >> i grad
healthcare act kicks in 2013. a lot of business customers are coming to tus and they need solutions. i think you are going to see businesses start to manage their employee head count going from full-time employees to part-time employees. actually some businesses thinking of taking head count and creating two companies to get under 50 employee limit. >> clayton: splitting up the companies so not to hit those. more credit is going to be available? >> pretty tight. credit is still tight. regulatory environment is still difficult. banks have got poor loan quality on overall basis of the businesses are looking at. business development corpse. there is microlending opportunities and crowd funding opportunities which is new basically angel investors with the fec has reduced some of their limitations for businesses to get funding. >> juliet: this seems like no brainer ecommerce is the way it is. cyber monday shows that. >> it's growing but still frankly at low levels. probably online sales are only about 7% of total sales. they estimate mobile commerce could be about a trillion in revenues in 2016,
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